Royal Oak, Michigan
Financial Advisor for Royal Oak Professionals
Royal Oak is one of Metro Detroit's most active professional hubs — young families, growing businesses, busy careers. Most national advisory firms don't tailor to Royal Oak's actual landscape. Ten Point Financial Group does. We're a Detroit-based independent firm working with Royal Oak professionals, business owners, and families on insurance, retirement, estate, and tax strategy.
Free
Initial consultation
Independent
No house product
Education-first
You decide what fits
Why Royal Oak
Royal Oak has a specific demographic — high-earning professionals in their 30s-50s, dual-income households, and a heavy concentration of small business owners. The financial conversations here aren't the same as the conversations in 80-year-old neighborhoods. Most planning here is forward-looking: protecting growing income, optimizing tax strategy as a business scales, and building estate plans that accommodate younger children. We work directly in those conversations.
How we help
Insurance Planning for Growing Families
Term life insurance for the income-protection years, disability coverage, and umbrella policies that match your asset growth.
Retirement Planning for Mid-Career Professionals
401(k), backdoor Roth, mega backdoor Roth, Roth conversion windows, and how to align retirement savings with college planning for kids.
Business Tax Strategy
S-Corp election analysis, Solo 401(k), Cash Balance plans, missed deductions — for Royal Oak business owners earning $100K+ in profit.
Estate Planning for Younger Families
Wills, revocable trusts, guardianship designations for minor kids, and beneficiary coordination across all accounts.
Coordinating With Your CPA and Attorney
We're the team member who makes sure your CPA, attorney, and insurance work as a single plan — not three separate ones.
Frequently asked questions
Are you Royal Oak-based?+
We're Detroit-based, but most meetings happen virtually anyway. We've worked with Royal Oak clients across the city. Geography rarely matters for the work we do.
I'm in my 30s — is it too early to need a financial advisor?+
Not at all. Your 30s and 40s are the highest-leverage planning years. Decisions made now compound dramatically. The right question is whether you have a clear plan — most people don't, even with good incomes.
I have a 401(k) and an investment advisor. Do I need anything else?+
Often yes. Investment advisors focus on growth. We focus on the rest: insurance, tax strategy, estate, Medicare planning down the road. Different problem, different specialist.
How much does ongoing planning cost?+
Depends on the engagement — project-based or retainer. Initial consultation is free. We'll lay out structure at the end of the first conversation.
Can you help with stock options, RSUs, or equity comp?+
Yes. We help Royal Oak professionals plan around equity comp — when to exercise, how to manage concentrated stock, and how to coordinate with the rest of the plan.
Learn more
Schedule a free consultation
Tell us where you are and where you want to be. We'll map gaps, propose strategies, and only suggest changes that actually help.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.